How Much Is Car Insurance in Texas?
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Key takeaways 💡
Unfortunately, Texas is one of the most expensive states for drivers, with a median car insurance cost of $3,347 a year for full coverage, or about $279 a month.
The average cost of minimum coverage insurance is $997 a year, or about $83 a month.
The cheapest company in Texas for full coverage is Texas Farm Bureau, with a median annual rate of $1,268 a year, or about $106 a month.
Drivers can save on car insurance by shopping around, raising their deductible and asking about discounts.
According to NerdWallet’s November 2024 analysis, the average cost of full coverage car insurance in Texas is $3,347 per year, or about $279 a month, for a 35-year-old driver with good credit and a clean driving record.
The average cost of minimum coverage for that same driver profile is $997 per year, or about $83 a month.
But these are only averages. How much you’ll pay for car insurance in Texas ultimately depends on your unique characteristics and driving history, since factors such as your age, insurance company and driver profile all affect how much you pay for insurance.
We’ve listed the average car insurance rates for the following categories, based on NerdWallet’s analysis of how much car insurance costs in Texas:
The average cost of car insurance can be a good indicator for how much you can expect to pay, but don’t let that stop you from shopping for a better price. NerdWallet recommends comparing car insurance quotes from multiple insurers at least once a year to get the best possible rate.
Learn more about Texas insurance |
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NerdWallet has many more Texas insurance guides. For more information, check out our articles below: |
If you’re looking for the cheapest car insurance in your city, NerdWallet also analyzed rates for some of the largest cities in Texas :
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Average cost of car insurance in Texas by company
How much car insurance costs in Texas depends on a variety of factors, including how much coverage you buy as well as the company you buy it from. Two common types of car insurance people buy are full coverage and minimum coverage.
Full coverage is a combination of coverage types that protects your car in most situations. In Texas, a full coverage policy is typically defined as having liability, comprehensive and collision insurance.
Minimum coverage is the bare minimum car insurance required to drive legally. In Texas, a policy with minimum coverage is only required to include liability car insurance.
Here’s what NerdWallet’s analysis uncovered when we compared companies to find the cheapest option for full and minimum coverage in Texas.
The cheapest Texas car insurance for full coverage is offered by Texas Farm Bureau at $1,268 per year, on average.
The cheapest Texas car insurance for minimum coverage is offered by State Farm at $409 per year, on average.
But your rate could be significantly higher than that, depending on several other factors, such as the insurance company you choose.
The table below includes average costs for full coverage in Texas for the five cheapest options of the 19 companies we analyzed.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $1,268 | $106 |
| State Farm | $1,705 | $142 |
| Progressive | $1,896 | $158 |
| Auto Club of SoCal | $1,964 | $164 |
| Geico | $2,131 | $178 |
And this table includes average costs for minimum coverage in Texas for the five cheapest options of the 19 companies we analyzed.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $409 | $34 |
| Texas Farm Bureau | $417 | $35 |
| Geico | $581 | $48 |
| Auto Club of SoCal | $666 | $56 |
| Allstate | $675 | $56 |
» MORE: The best car insurance in Texas
How much is car insurance in Texas by age?
Age plays a big role in determining how much a driver pays for car insurance in Texas. And in most cases, young drivers pay the most for car insurance.
According to our analysis, a 20-year-old driver in Texas pays more than what a 30-year-old driver pays. Once you hit 30, average rates will continue to decrease until you turn 70, at which point the cost of insurance starts going up again.
Below are the average annual costs of car insurance in Texas, by age, for both full and minimum coverage.
| Age | Median full coverage rate | Median minimum coverage rate |
|---|---|---|
| 20 | $7,044 | $2,391 |
| 30 | $3,452 | $1,032 |
| 35 | $3,347 | $997 |
| 40 | $3,222 | $960 |
| 50 | $2,951 | $891 |
| 60 | $2,777 | $878 |
| 70 | $2,981 | $1,008 |
Compare car insurance costs in Texas by driver profile
Your driving history is another important factor in the price you’ll pay for car insurance. According to our analysis, a 35-year-old Texas driver with a recent speeding ticket would pay $305 a month for full coverage insurance, compared to $393 for a 35-year-old with a recent accident. Meanwhile, a 35-year-old driver with a clean driving history would only pay $279 for the same coverage.
Similarly, Texas — like most states — allows insurers to use a credit-based insurance score to price car insurance. These scores use your personal credit information to determine how likely you are to file a claim. Drivers with good credit will likely pay much less for car insurance in Texas than a driver with poor credit.
Here are the cheapest Texas car insurance companies for multiple 35-year-old driver profiles, as well as the average rate for each profile from those insurers.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | Texas Farm Bureau | $1,268 |
| After a DUI | Progressive | $2,235 |
| After an accident | State Farm | $1,923 |
| After a speeding ticket | Texas Farm Bureau | $1,268 |
| Having poor credit | Allstate | $2,523 |
Average car insurance cost in Texas by ZIP code
Where you live in Texas can also affect how much insurance costs, because some places like cities typically have higher accident or theft rates than more rural areas. You can get an estimate for the cost of a full coverage policy based on your ZIP code below.
Estimate full coverage rates by ZIP code
Enter your ZIP code to find the average car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.
Average car insurance rate in your ZIP code:
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» MORE: Get car insurance quotes online
Other factors that impact how much you pay for car insurance
While your insurance provider, age, driving history and credit score all help determine the cost of car insurance in Texas, there are additional factors to be aware of when you compare insurance quotes.
Factors that affect the cost of car insurance
» MORE: Why is my car insurance so high?
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
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